Branch Manager at Bridgemead Limited

Bridgemead HR provides customized HR solutions to optimize workforce productivity and profitability. Our expert trainers design bespoke training programs, innovative HR strategies, and efficient payroll systems tailored to each client’s unique needs.

We are recruiting to fill the position below:

Job Title: Branch Manager

Location: Victoria Island, Lagos
Employment Type: Full-time
Level: Management
Industry: Microfinance
Deparmtnet / Unit: Operations / Retail Banking
Reporting Relationship: Regional Manager

Responsibilities

• Develop and execute branch business strategies to achieve set financial targets.
• Drive deposit mobilization, credit growth, and revenue diversification initiatives.
• Expand the branch’s customer base and market share through proactive marketing and partnerships.
• Promote cross-selling of bank products and services to enhance customer value.
• Supervise loan processing, disbursement, monitoring, and recovery activities.
• Maintain a healthy loan portfolio by ensuring PAR (Portfolio at Risk) remains below 5%.
• Enforce compliance with credit policies, risk assessment standards, and CBN regulations.
• Identify, evaluate, and mitigate operational and credit risks across branch activities.
• Oversee all daily branch operations, including cash management, account opening, and service delivery.
• Ensure strict adherence to AML/CFT, KYC, and other regulatory and internal control standards.
• Implement and monitor operational policies to ensure efficiency and accountability.
• Liaise with auditors, regulators, and stakeholders to maintain a positive compliance record.
• Lead, coach, and develop branch staff to achieve individual and team performance goals.
• Conduct regular team meetings to review targets, performance gaps, and improvement plans.
• Support HR processes including recruitment, onboarding, appraisal, and discipline.
• Foster a culture of teamwork, accountability, and continuous improvement.
• Ensure excellent customer service delivery and prompt resolution of complaints.
• Build and sustain strong relationships with key customers and community stakeholders.
• Track branch financial performance and prepare timely weekly and monthly reports.
• Analyze variances and recommend corrective actions to achieve set goals.
• Identify opportunities for operational improvement and digital transformation.

Key Performance Indicators

• Loan Portfolio Growth – Achieve ≥ 90% of annual branch loan disbursement target while maintaining quality lending standards.
• Portfolio at Risk (PAR >30 days) – Maintain PAR ≤ 5% of total loan portfolio.
• Deposit Mobilization – Achieve ≥ 90% of monthly and annual deposit mobilization targets.
• Profitability – Ensure the branch meets or exceeds its monthly and annual profitability targets.
• Customer Retention Rate – Maintain ≥ 85% customer retention through excellent service and relationship management.
• Regulatory & Policy Compliance – Ensure 100% compliance with CBN regulations, internal policies, and audit standards.
• Internal Control Effectiveness – Maintain > 90% compliance in all internal control and audit reviews.
• Operational Efficiency – Ensure all customer transactions (loans, deposits, withdrawals) are processed within established turnaround times (<5 minutes for cash transactions).
• Delinquency Management – Achieve ≥ 95% loan recovery on performing accounts and manage delinquent accounts effectively.
• Financial Reporting Accuracy – Ensure ≥ 99% accuracy in daily, weekly, and monthly financial and operational reports.
• Reporting Timeliness – Submit all required reports (financial, operations, risk) 100% on or before deadline.
• Risk Management & Mitigation – Maintain > 90% adherence to risk management protocols across all products and services

Qualifications and Requirements
Education:

• Bachelor’s degree in Business Administration, Finance, Economics, or related field (MBA is an added advantage).
• Must have 5–7 years of banking experience, with at least 3 years in a supervisory or managerial role.
• Strong knowledge of banking operations, credit management, and regulatory frameworks.
• Proven leadership, analytical, and interpersonal skills.

Key Skills:

• Strategic Thinking & Planning
• Executive Leadership & Team Management
• Effective Communication & Presentation
• Analytical & Problem-Solving Ability
• Change Management & Adaptability
• Change & Transformation Leadership
• Negotiation & Conflict Resolution
• Emotional Intelligence & Empathy
• Time Management & Organization
• Attention to Detail & Accuracy
• Confidentiality & Discretion
• Collaboration & Stakeholder Engagement

Competencies:

• Strategic thinking and decision-making
• Leadership and team management
• Business development and negotiation
• Risk assessment and compliance oversight
• Customer-centric mindset
• Communication and problem-solving skills

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should send their CV to: career.bridgemeadnghr@gmail.com using the Job Title as the subject of the email.